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Aditya Birla Activ Fit (Preferred) vs Niva Bupa Aspire (Titanium+)
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Aditya Birla Activ Fit (Preferred) with similar Health Insurances
Niva Bupa Aspire (Titanium+) with similar Health Insurances
Compare Aditya Birla Activ Fit (Preferred) and Niva Bupa Aspire (Titanium+)
Claims Track Record:
Aditya Birla Activ Fit (Preferred)
The claim settlement ratio of Aditya Birla Health Insurance Company Limited is 94.51%, while the claims incurred ratio is 68.31%. It has resolved 94.59% of claims within a 30-day timeframe. Compared to other insurers, the company has received higher claim-related complaints.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. They have settled 99.95% of claims in less than 30 days. Further, they have received a higher number of claim complaints compared to other insurers.
Service Experience:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Health Insurance Company Limited offers customer care via a toll-free number and a Twitter account. Their toll-free number has an average response time; however, Twitter has a speedy turnaround.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company offers customer service through their toll-free number and via Twitter. Their Twitter response rate is average and so is the response rate over their toll-free number. So, if you have any questions or concerns, or require assistance, you can expect the same amount of time for assistance.
Product Benefits:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Activ Fit (Preferred) plan offers extensive coverage that includes hospitalisation costs, pre-hospitalisation, and post-hospitalisation expenses. It's important to note that pre-hospitalisation expenses are covered for up to 90 days before hospital admission and post-hospitalisation expenses up to 180 days after discharge, all up to the sum insured. In addition, the coverage pays for all day care, domiciliary treatments, and expenses of donors for organ donation procedures, as well as modern treatments and consumables (as an add-on) up to the sum insured. Moreover, with the Aditya Birla Activ Fit (Preferred) plan, there are no room rent restrictions, giving you the freedom to select any room. There is no ICU rent limit under the plan as well. The plan does not include a deductible or co-payment. Common medical procedures and treatments, such as joint replacement surgery and cataract treatments, are not restricted by the policy and are therefore covered up to the sum insured. It's essential to note that pre-existing diseases have a 36-month waiting period. For specific diseases, the waiting period is generally 24 months, but it is 48 months for any genetic disorders under this plan.
Niva Bupa Aspire (Titanium+)
The Niva Bupa Aspire (Titanium+) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 60 days before hospitalisation and post-hospitalisation expenses incurred for 180 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Costs associated with the inpatient expenses of the organ donor are covered up to the sum insured as well. Under Organ Donor Cover, there is a special condition that if you donate any of your organs, the expenses incurred for harvesting the organ from you will also be covered. As for non-medical expenses, they are covered without any limits if included as an add on.
Under Niva Bupa Aspire (Titanium+) Plan, there is no room rent limit as well as ICU rent limit. It also does not have any copayment unless you choose the borderless add-on, which offers several co-payment options. Among these options, you have the flexibility to select a 0% co-payment by opting for a slightly higher premium. It also provides you with the provision of choosing deductible from options - Rs 20,000 /- Rs 30,000/- Rs 50,000/- Rs 1,00,000. Further, there is no limit (covered up to the sum insured) on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. There is a waiting period of 36 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.